Hard Money Financing

Hard Money Capital That Moves at Deal Speed

Close in as little as 48 hours with flexible, asset-based hard money financing built for real estate investors — not homeowners.

$3B+Total Funded
7,500+Loans Closed
48hrsAvg Close Time
2011In Business Since

Why Veristone Hard Money

Built for Speed and Flexibility

Close in 48 Hours

In-house underwriting means no third-party delays. We fund on your timeline.

Flexible Terms

Interest-only payments with terms from 1 to 24 months, structured around your exit.

Direct Lender

Every decision is made in-house. You talk directly to the people who approve your loan.

Program Terms

Hard Money Loan at a Glance

Rate Range

9–12%

Max LTV

80%

Loan Term

1–24 mo

Loan Size

$100K–$5M

Eligible Property Types

  • Single Family
  • Multi-Family
  • Mixed-Use
  • Commercial

Key Highlights

  • Close in 48 hours
  • Interest-only payments
  • No prepayment penalty

Simple Process

Get Funded in 3 Steps

1

Submit Your Deal

Fill out a short form with basic property and loan details. No lengthy paperwork upfront.

2

Get a Term Sheet

A loan officer reviews your deal and follows up the same day with terms and next steps.

3

Close in 48 Hours

Once approved, we move fast. Most hard money loans close within 48 hours of final approval.

No Credit Impact

Pre-Qualify in Minutes

Our team will reach out with a term sheet tailored to your deal — no obligation, no runaround.

Program Benefits

Everything You Get with Hard Money Loans

Built for real estate investors who need speed, flexibility, and a lender that understands the deal.

Close in 48 Hours

In-house underwriting and direct lending means no waiting on third-party approvals.

Interest-Only Payments

Minimize monthly carry costs while you execute your exit strategy.

No Prepayment Penalties

Pay off early and save on interest without hidden fees.

Asset-Based Underwriting

We evaluate the deal, not just your W-2 or credit score.

Entity & Individual Borrowers

LLCs, partnerships, and individual investors all welcome.

Cross Collateralization

Leverage equity in other properties to strengthen your deal.

Loan Programs

Financing for Every Strategy

Bridge Loans

Short-term financing for acquiring properties quickly with flexible terms and fast approval.

Rate9-12%
Max LTV75%
Term12-24 months
Property Types
Single FamilyMulti-FamilyCommercial
  • Quick approval process
  • No prepayment penalties
  • Cash-out options available

Fix & Flip Loans

Financing for renovation projects with short-term loans designed for investors who buy, renovate, and sell.

Rate9-12%
Max LTV90%
Term6-18 months
Property Types
Single FamilyCondoTownhouse
  • Up to 90% LTV
  • Interest-only payments
  • No income verification required

Construction Loans

Ground-up construction financing for residential and commercial projects from foundation to completion.

Rate9-12%
Max LTV80%
Term6-24 months
Property Types
Single FamilyMulti-FamilyMixed Use
  • Draw-based funding
  • Inspections required
  • Completion guarantees accepted

Fill out the form below and a loan officer will follow up with you shortly.

Is this loan for an owner-occupied property?

Fast closings · Flexible terms · Direct lender

Talk to a Loan Expert About Your Project

Whether you have a deal under contract or are still scoping an opportunity, we'd love to hear about it. No obligation, no runaround.

Get a Quick Quote

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Oregon Mortgage Broker License #5288. Idaho Mortgage Broker License #8640. CA Lenders License #60DBO-186176. Veristone Capital operates as Veristone Mortgage NMLS #1106440, LLC in OR, ID and CA. AZ License #BK-2012246, Veristone Capital operates as Veristone Lending, LLC NMLS #2733717 in AZ. Investment loans made or arranged pursuant to these state licenses. This site is not authorized by the respective state departments of financial services for any other states.